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An older man is seated outdoors, smiling and embracing two children, a young girl on his left and a young boy on his right. As they all share joyful smiles, the background appears blurred but hints at a park—a serene moment where life's financial decisions fade into the backdrop of family happiness.

6 Financial Decisions That Will Impact Your Kids, Grandkids & Great Grandchildren

Personal Finance / / /

o matter where you live or what your ethnic and socioeconomic background, you probably want a few things for your children and grandkids: happiness, career success, good health and financial stability. What if you could put your offspring on the path to achieving all these things, just by making a few good financial decisions of […]

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A woman in a business suit is closing a credit card by cutting it with scissors, all the while holding her forehead and shouting.

Tips for Closing Credit Card Accounts Without Hurting Your Credit Score

Credit Cards / / , , , , /

Closing credit card accounts can seem like a smart way to simplify your finances—but if done improperly, it can cause a dip in your credit score. After a recent financial seminar, a participant asked a great question about this. She wanted to streamline her cards and wondered how it might affect her credit standing. Here’s

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A man in a grey suit and red tie is holding his head with both hands, appearing to be stressed or frustrated, likely due to difficult financial decisions, set against a plain grey background.

Financial Decisions That Can Hurt Your Credit Rating

Credit Scores / / /

To improve your credit rating or increase your credit score, you likely already know that it’s important to do the basics: such as paying your bills on time each month, and keeping your accounts out of collections. But are you aware that a host of other financial decisions you might make – especially seemingly innocent

Financial Decisions That Can Hurt Your Credit Rating Read More »

A calendar with the date 19 circled in pink highlighter and labeled "PAY RENT." A pink highlighter is next to the rent reminder.

Secret Trick For Renters That Boosts Your Credit Score Quickly

Credit Scores / / /

If you’re living in one of America’s 40 million renter households, there’s an easy way for you to quickly and painlessly increase your credit score and even help qualify for a mortgage. What’s the secret? It’s simply adding your rental payment history to your credit reports. How to add rent and utilities to credit report

Secret Trick For Renters That Boosts Your Credit Score Quickly Read More »

A silhouette figure stands on a platform with a red arrow pointing over dollar signs representing student loan debt to a graduation cap and diploma on a green platform.

States with the Highest and Lowest Amounts of Student Loan Debt

Student Loans / / /

The White House has released an alphabetized list of states with residents who have student loan debt, including a breakdown based on the number of borrowers and the amount of student loans outstanding as of January 2015. Not surprising, California leads the list, with about 4.2 million borrowers owing a staggering $122.3 billion in student

States with the Highest and Lowest Amounts of Student Loan Debt Read More »

A magnifying glass highlights the word "financing" among other mortgage terms such as loan, bank, interest rate, mortgage, and collateral.

5 Confusing Mortgage Terms Explained

Real Estate / / /

Getting approved for a mortgage these days takes more than a sufficient down payment and having a good credit score. To secure a home loan you also need to know how to communicate effectively with realtors, bankers, and other professionals in the real estate and mortgage industries. Simply put: borrowers in today’s market will fare

5 Confusing Mortgage Terms Explained Read More »

Man in a green shirt holding a credit card with his right hand and giving a thumbs up with his left hand.

Keeping Your College Student Out of Credit Card Debt

Credit Cards / /

If you have a young adult heading off to college, now’s the time to make sure your student knows how to manage money on his or her own. Without proper financial guidance, many young adults develop bad money habits in college — and end up paying a big price for years to come. Similarly, being independent offers kids a good opportunity

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A road labeled "ROAD OUT OF DEBT" leads to a dollar sign at the horizon, symbolizing financial recovery through credit counseling.

Will Credit Counseling or Debt Management Hurt My Credit Score?

Credit Scores / / , /

If you’ve gotten yourself deep in debt, or have fallen behind on your monthly bills you may be wondering if credit counseling or debt management can help. Despite the promise of assistance that credit counseling companies firms offer, many consumers nonetheless remain worried about using a credit counseling agency for fear of potential damage to

Will Credit Counseling or Debt Management Hurt My Credit Score? Read More »

A person in a gray suit holding a tablet displaying a question mark with the text "WHAT'S YOUR SCORE?" in bold black letters beside them, prompting curiosity about different credit scores.

Two Different Credit Scores? Here’s Why

Credit Scores / /

If you’ve ever been frustrated at receiving two different credit scores, you probably wondered why or how it’s possible that you can get one specific credit score from a certain source and then receive a vastly different credit score elsewhere. You’re not alone. Millions of other people have also questioned the crazy, seemingly haphazardness way

Two Different Credit Scores? Here’s Why Read More »

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